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Payment providers

H2H processing

Host-to-host connections: acceptance via the provider's API.

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Related subsections

P2P processing50Card acquiring & gateways16Payouts & mass payouts13Aggregators & cascading11Local payment methods (APM)10E-wallets10H2H processing — IndiaH2H processing — United StatesH2H processing — BangladeshH2H processing — South KoreaH2H processing — PakistanH2H processing — Brazil

What H2H processing is

H2H (host-to-host) processing means the merchant or another PSP talks to the provider's server directly through an API, instead of redirecting the customer to a hosted payment page. The merchant draws its own checkout, sends the order to the provider, receives payment details (a card number, UPI ID, bank account, QR) or a status, and shows them in its own interface. In the P2P world, H2H is the standard way for a payment gateway to plug into a team's or trader network's liquidity.

Who uses host-to-host integration

  • PSPs and aggregators that resell capacity of other providers under their own brand.
  • Merchants with their own cashier — casinos, brokers, marketplaces that want full control of UX.
  • P2P gateways connecting to P2P teams and traders for pay-in and payout flows.
  • Banks and EMIs exchanging payment files and statuses with corporate clients (H2H banking).

H2H vs hosted payment page

  • Control: H2H gives you the checkout design and the data; a hosted page is faster to launch.
  • Compliance: for cards, H2H means you handle card data, so PCI DSS scope grows; for local methods and P2P this matters less.
  • Conversion: fewer redirects usually mean fewer drop-offs, but you own retries and error handling.
  • Effort: H2H needs callbacks, status polling, reconciliation and appeal handling on your side.

What to check with an H2H provider

  • API documentation, sandbox, callback signatures, idempotency.
  • Supported methods per GEO (UPI, SBP, C2C, bank transfer) and the share of successful deposits.
  • Limits per order and per day, payout support on the same rails.
  • Settlement currency and frequency, deposit or prepayment requirements.

Related hubs

P2P processing, P2P & H2H software, cashier and payment pages, aggregators & cascading. Use the Offers tab for published H2H terms or post a request with GEO, methods and expected volume.